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Neighborhood Loans Charles Garneau
Mortgage Loan Originator NMLS # 1466345
Florida Southern College
Charles Garneau and his team help homebuyers and homeowners across Central Florida secure the right mortgage with personalized service and expert guidance. They specialize in FHA, Conventional, VA, USDA, Down Payment Assistance, Bank Statem... Show More
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Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
It was a great pleasure working with the entire team. The short educational videos that Charles shared are very helpful and made it seem more personal. Everyone was super friendly, knowledgeable, and quick to respond. Jessica was awesome to...
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Awesome experience, from start to finish ! Explains everything clearly, kept us notified every step of the way, Thank you Charles and associates at Neighborhood Loans
Reply from Neighborhood Loans Charles Garneau
August 24th, 2026 06:43 PM
Thank you so much Sherry and Chris, we appreciate you more than you know! We will be here if you ever need anything.
Charles simplified every step of the loan. From the first time we were introduced, all the way to closing, every part went smooth. If I ever buy another home, there will no hesitation !
Highly recommended very organized communication is on point they help walk you through everything !
Reply from Owner
August 24th, 2026 03:45 PM
Thank you so much Alex! We appreciated your trust throughout the roadblocks during the process. Congrats on your beautiful new home!
everybody on the team did a phenomenal job keeping up with everything organized and communicating would highly recommend this group and Steve Donahue for a Realiter !! looking forward to do business with this group in the future
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Reply from Neighborhood Loans Charles Garneau
August 24th, 2026 03:49 PM
We will be here for you Alex! So glad you got a chance to work with Steve. He knows so much about real estate and makes for an incredible partner on each real estate transaction. We will be here for you in the meantime as a resource for you....
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Charles and his team are the best, would recommend to anyone.
Reply from Owner
August 24th, 2026 03:59 PM
So honored we were able to help you two Justin! You guys worked hard getting the house ready for the appraisal and reinspection. Kudos to you, you deserve your beautiful new home !
Charles and his team will fight for you to get your home like no one else will, are a great team for your home, buying adventure.
Reply from Neighborhood Loans Charles Garneau
August 24th, 2026 04:00 PM
Thank you Stephanie and Justin! We made a great team! We will be here as a resource in the meantime if you need us!
The team at neighborhood loans was a delight to work with. They were easily the best part of the homebuying process and answered all of my questions. I would definitely use them again!
Reply from Charles Garneau
August 24th, 2026 04:03 PM
Thank you so much for trusting us Ashley! What an incredible feat to purchase a property so early in life. Enjoy your beautiful home and feel free to rely on us for any future questions.
Me and Alex had a great experience overall with everyone that helped us. Steve was Wonderful with helping us and the charles group as well. We appreciate everything very much.
Reply from Charles Garneau
August 24th, 2026 04:30 PM
Thank you Mia and Alex and congratulations on your new home! We appreciate you just as much!
Charles and his team were very professional and helpful. I. Onlly wish that could only be one ask
Reply from Charles Garneau
August 24th, 2026 04:32 PM
Thank you Thomas and we appreciate your feedback and trust during your homebuying process! We also wish it was only one ask during the process but we try to make it as painless as possible with the documentation. Congratulations again and we...
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About
Charles Garneau and his team help homebuyers and homeowners across Central Florida secure the right mortgage with personalized service and expert guidance. They specialize in FHA, Conventional, VA, USDA, Down Payment Assistance, Bank Statement, and DSCR loans. Whether you're a first-time homebuyer, veteran, investor, or self-employed borrower, Charles can help you explore Hometown Heroes, HomeKey, bond programs, and interest rate buydown options to make homeownership more affordable. From application to closing, the team is committed to delivering a smooth, stress-free mortgage experience.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Adjustable Rate Mortgages
Qualified Mortgage Pre-Approvals
Non-QM
Self-Employed Mortgages
Second Mortgages-Bank Statement
Cash-Out Refinances
Specialities
FHA
VA
USDA
Conventional
Jumbo
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Education
- Florida Southern CollegeEconomics
Positions
- Legacy Mutual Mortgage - Loan OriginatorJul 1st, 2023 - Feb 28th, 2025
- The Mortgage Firm - Loan OriginatorNov 3rd, 2014 - Jul 1st, 2023
Memberships
- MBS Highway
- Rotary Club of Lakeland
- Social Indoors Club
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2015
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1466345
Awards
Achievements
- Top Emerging Originators Scotsman Guide 2026
Hobbies
- Pickleball
- Tennis
- Running 5K
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Disclaimer
Neighborhood Loans, 1333 Butterfield Rd. Suite 600 Downers Grove, IL 60515 1 800.207.8595 Neighborhood loans is an Illinois, Wisconsin, & California Residential Mortgage Licensee. Licensed by the Department of Business Oversight under the California Financing Law. Neighborhood Loans is an approved FHA lender. Not an agency of the federal government. All loans are subject to credit approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Licensed by the Illinois Department of Financial & Professional Regulation. Company NMLS#222982 MB. 6759826. California DFPI Lic/Reg #41DBO-118971 | Equal Housing Lender